[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gncz.cz\/bankovni-hypoteka-aneb-co-je-adekvatni-vedet\/#Article","mainEntityOfPage":"https:\/\/www.gncz.cz\/bankovni-hypoteka-aneb-co-je-adekvatni-vedet\/","headline":"Bankovn\u00ed hypot\u00e9ka aneb co je adekv\u00e1tn\u00ed v\u011bd\u011bt!","name":"Bankovn\u00ed hypot\u00e9ka aneb co je adekv\u00e1tn\u00ed v\u011bd\u011bt!","description":"Jednou ze z\u00e1kladn\u00edch operac\u00ed banky je pr\u00e1v\u011b poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Vzhledem k tomu, \u017ee poskytnut\u00edm \u00fav\u011bru \u017eadateli se banka vystavuje jist\u00e9mu riziku, \u017ee dlu\u017en\u00edk nebude \u0159\u00e1dn\u011b hradit v\u00fd\u0161i spl\u00e1tek \u00fav\u011bru nebo p\u0159estane hradit a tato \u00fav\u011brov\u00e1 pohled\u00e1vka se tak stane pro banku jednozna\u010dn\u011b nedobytnou. Toto potenci\u00e1ln\u00ed nebezpe\u010d\u00ed vyskytnut\u00ed se faktu je naz\u00fdv\u00e1no coby \u00fav\u011brov\u00e9 riziko. Tud\u00ed\u017e banka za \u00fa\u010delem udr\u017een\u00ed solventnosti a stability se mus\u00ed n\u00e1le\u017eit\u011b chr\u00e1nit, tj. p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky a striktn\u011bj\u0161\u00ed pravidla pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru od banky. Banka z tohoto…","datePublished":"2017-03-08","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.gncz.cz\/author\/#Person","name":"gncz.cz\n","url":"https:\/\/www.gncz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/188853cc08cfc4af3f5ef42e51d7aa754653be0300e41daf30a10471d44d4592?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/188853cc08cfc4af3f5ef42e51d7aa754653be0300e41daf30a10471d44d4592?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gncz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/gncz.cz\/wp-content\/uploads\/img_a309560_w2347_t1520499448.png","url":"https:\/\/gncz.cz\/wp-content\/uploads\/img_a309560_w2347_t1520499448.png","height":"","width":""},"url":"https:\/\/www.gncz.cz\/bankovni-hypoteka-aneb-co-je-adekvatni-vedet\/","about":["Neza\u0159azen\u00e9"],"wordCount":507,"articleBody":"Jednou ze z\u00e1kladn\u00edch operac\u00ed banky je pr\u00e1v\u011b poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Vzhledem k tomu, \u017ee poskytnut\u00edm \u00fav\u011bru \u017eadateli se banka vystavuje jist\u00e9mu riziku, \u017ee dlu\u017en\u00edk nebude \u0159\u00e1dn\u011b hradit v\u00fd\u0161i spl\u00e1tek \u00fav\u011bru nebo p\u0159estane hradit a tato \u00fav\u011brov\u00e1 pohled\u00e1vka se tak stane pro banku jednozna\u010dn\u011b nedobytnou. Toto potenci\u00e1ln\u00ed nebezpe\u010d\u00ed vyskytnut\u00ed se faktu je naz\u00fdv\u00e1no coby \u00fav\u011brov\u00e9 riziko. Tud\u00ed\u017e banka za \u00fa\u010delem udr\u017een\u00ed solventnosti a stability se mus\u00ed n\u00e1le\u017eit\u011b chr\u00e1nit, tj. p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky a striktn\u011bj\u0161\u00ed pravidla pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru od banky. Banka z tohoto d\u016fvodu tak jednodu\u0161e poskytuje \u00fav\u011br \u017eadatel\u016fm, kter\u00e9 shled\u00e1 dostate\u010dn\u011b schopn\u00e9 pro spl\u00e1cen\u00ed poskytnut\u00e9 v\u00fd\u0161i \u00fav\u011bru.
 Bonita \u017eadatele a jej\u00ed vliv na \u00farokovou sazbu
 
 Ka\u017ed\u00e1 banka si prov\u011b\u0159\u00ed u \u017eadatele jeho bonitu. Jednodu\u0161e lze konstatovat, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed bonita, t\u00edm tak je mo\u017enost z\u00edskat ni\u017e\u0161\u00ed \u00farokovou sazbu. Bonita je jakousi z\u00e1rukou \u010di jistotou pro banku, \u017ee \u017eadatel s dobrou bonitou jednak z\u00edsk\u00e1 \u00fav\u011br a p\u0159edev\u0161\u00edm bude ho i \u0159\u00e1dn\u011b spl\u00e1cet po celou dobu. Jestli\u017ee \u017eadatel m\u00e1 ni\u017e\u0161\u00ed bonitu pro banku, av\u0161ak je je\u0161t\u011b na hranici spl\u0148uj\u00edc\u00ed poskytnut\u00ed \u00fav\u011bru, je v\u0161ak t\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee \u00fav\u011br bude poskytnut, ale nebude se jednat o tak v\u00fdhodnou \u00farokovou sazbu jako v p\u0159\u00edpad\u011b klienta maj\u00edc\u00edho vy\u0161\u0161\u00ed bonitu.
 Parametry aneb jak se zji\u0161\u0165uje bonita \u017eadatele o \u00fav\u011br?
 
 Bonita \u017eadatele je ovlivn\u011bna hned n\u011bkolika podstatn\u00fdmi faktory, mezi kter\u00e9 n\u00e1le\u017e\u00ed jak v\u011bk. Zde samoz\u0159ejm\u011b plat\u00ed, \u017ee \u010d\u00edm star\u0161\u00ed jedinec, t\u00edm je to z pohledu banky hor\u0161\u00ed. Stejn\u011b tak i vliv m\u00e1 pohlav\u00ed, nebo\u0165 je prok\u00e1z\u00e1no, \u017ee p\u0159eci jen mu\u017ei oproti \u017een\u00e1m maj\u00ed vy\u0161\u0161\u00ed tendenci nespl\u00e1cen\u00ed \u00fav\u011bru. D\u00e1le mezi ovliv\u0148uj\u00edc\u00ed faktory n\u00e1le\u017e\u00ed vzd\u011bl\u00e1n\u00ed \u017eadatele, profese, rodinn\u00fd stav. Toto jsou osobn\u00ed \u00fadaje. Druhou \u010d\u00e1st\u00ed maj\u00edc\u00ed vliv p\u0159i zji\u0161\u0165ov\u00e1n\u00ed bonity \u017eadatele je jeho p\u0159\u00edjem. Zde se jedn\u00e1 o trval\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy a ne o pouh\u00e9 jednor\u00e1zov\u00e9 p\u0159\u00edjmy. Stejn\u011b tak jsou v tomto sm\u011bru i posuzov\u00e1ny z\u00e1rove\u0148 v\u00fddaje \u017eadatele, jedn\u00e1 se op\u011bt o pravideln\u00e9 v\u00fddaje.
 
 V p\u0159\u00edpad\u011b nedostate\u010dn\u00e9 bonity je alternativa pro z\u00edsk\u00e1n\u00ed \u00fav\u011bru u banky mo\u017enost ru\u010ditele. Pokud nen\u00ed toto re\u00e1ln\u00e9 \u010di ani tento fakt nepom\u016f\u017ee, v\u017edy je mo\u017enost z\u00edsk\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru od nebankovn\u00ed spole\u010dnosti 
 Vyvarujte se!
 
 Nikdy ne\u017e\u00e1dejte o hypot\u00e9ku u dvou spole\u010dnost\u00ed sou\u010dasn\u011b. Jednak budete p\u016fsobit neseri\u00f3zn\u011b, budete m\u00edt vy\u0161\u0161\u00ed sk\u00f3re v registru, kter\u00fd m\u00e1 pot\u00e9 i negativn\u00ed dopad. A nejen pro banku se bude jednat o podez\u0159en\u00ed z \u00fav\u011brov\u00e9ho podvodu.                                                                                                                                                                                                                                                                                                                                                                                        3.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovn\u00ed hypot\u00e9ka aneb co je adekv\u00e1tn\u00ed v\u011bd\u011bt!","item":"https:\/\/www.gncz.cz\/bankovni-hypoteka-aneb-co-je-adekvatni-vedet\/#breadcrumbitem"}]}]